UnitedHealthcareReviews of uhc.com

I purchased a United Health Care US Health Insurance policy last year, consisting of 6 different subsections that they use to rip off their clients. I have Secure Advantage Sickness, Secure Advantage accident, Secure Advantage health and wellness plus, Medguard III, Accident Protector, Income Protector, all of which I was assured was an outstanding plan that I planned on keeping for the foreseeable future. I thought it was odd that they required me to have 6 different categories inside my policy, but I just assumed it was part of their marketing to make the policy seem more robust. Sort of like touting the US Health Group & Freedom Life wrapped in star spangled red, white and blue…Heck, they are as American as apple pie. Well after nearly 2 hours on the phone with several people in India from their call center, I discovered a lot more than just their name is a lie. For perspective, I injured my shoulder in October of last year, sucked it up until January hoping it would get better on its own and finally broke out the provider list and went to a Dr. in my network to find out what was wrong. Full thickness tear on my supraspinatus, retracted quite a bit and torn labrum…break out the scalpel. I had several appointments prior to surgery, an MRI, X-rays, blood work, Dr. visits all that would total up to roughly $3000 out of pocket. This is relevant because my maximum out of pocket based on my plan is $2000. I didn’t really start thinking about my out-of-pocket expenses until I received 2 more bills from the surgery center and the anesthesiologist from my surgery in March that came out to roughly another $4000. This is when I tried to make heads or tails of my billing on the US Health website. I finally gave up on banging my head against the wall of their convoluted system and called customer care. Don’t get me wrong, I think the folks they hired in India to handle their customer service and claims are doing their best to understand the people in the US that have bought the policies, and as one of those US people I really tried my best to understand them as well, but trying to communicate a concern while also deciphering what was being said in accents thicker than The Great Wall of China is not conducive to a fulfilling customer service experience. While they were very good about letting me know that I had fulfilled my deductible requirements, they seemed to struggle with the concept that this meant I should not have to pay anymore out of pocket for my health care. At one point I was told that I had to pay the additional charges because I used Dr’s out of network. I argued with them until they verified that both the Dr. and surgical center were actually in network. Then we circled back to the bills. I was then told that while I had fulfilled the out-of-pocket maximum, my plan required me to pay 20% of all services. Once I gathered the pieces of my skull off the wall after exploding from the utter absurdity of their position, I demanded to speak to a supervisor. The supervisor who was no easier to understand and sadly a student of the same nonsensical, circular arguments I’d been subjected to for the last 45 minutes eventually told me that while I had fulfilled my max out of pocket for the Secureadvantage Sickness, I had to fulfill my max out of pocket for the Secureadvantage Accident. Yes, you got that right, shoulder injuries are now considered an “illness” to the galactically stupid. According to the supervisor, I needed to go back to the Dr.s that performed the MRI, X-Rays, bloodwork and various other elements that were done before the surgery because they submitted their claims using the Sickness designation instead of the Accident designation. Shockingly, those same Dr.s managed to get it right when they cut me open and fixed my shoulder. I find it incredibly hard to believe that an MRI tech would list an MRI with dye injected into my shoulder joint… about as much fun as fiberglass underwear…would list that procedure as something that was due to illness…”poor guy caught a bad case of torn rotator cuff”. I can’t give any advice on which company to get insurance from, but I can whole heartedly advise anyone considering these con artists to run…don’t walk…sprint like Usain freakin Bolt away from US Health like your life depends on it…because it just might.

Most of the time, like today, I was only able to speak with foreigners with choppy voices who were very rude. UHC charges co-pays and deductables people can't afford. UHC is a ripoff. I will not sign up with them ever again!

Lies lies and more lies. For TWO YEARS I've been trying to get simple dental care. UHC has referred me to dentists whose office doesn't know they're in network. Call for dental - wrong department - transferred to transportation - oh you need dental. I filled a grievance which I had tried to do for over a year, finally I get a letter apologizing for poor customer service.

I made the unfortunate mistake of selecting United Healthcare after their public fallout of 2024. United doesn't cover an important prescription I need that costs $800 out of pocket. They denied the special request my doctor made on the same day she sent it in (wonder if I got rejected by AI or a person). My eye doctor suggested a prescription service instead. That service denied filling my prescription because of Optum RX, who is associated with United. I spent 2 hours trying to find out how to opt out of that service. I was told it was possible by TWO people in chat, who sent me to random links to unsubscribe. In all cases, either the information they claimed I needed to delete didn't exist, or the links were broken. I tried calling instead. I got passed along about 6 different times, including over to Optum RX. Every single person said I needed to talk to someone else. The second biggest thing I heard from united reps is that their "system is down." It was the excuse for the web pages not working, and it was also the excuse for their survey not working at the end of the call. They claim you can take a survey at the end of your calls, but that isn't true either. On my last call with someone, I waited patiently for them to hang up so the survey would initiate. I asked the person if she was still there. She said "yes, do you need more help?" I said "No, I'm waiting for you to hang up so I can take the survey." She actually told me she was incapable of hanging up because their "system is down." I also asked to speak to a supervisor more than once and was told the first time that no one was available. The second time I was told they would call me that afternoon, and I have heard nothing. What an awful experience.

I picked UHC as my Medicare provider a few years ago. That was a mistake. They barely cover anything beyond simple medical and dental checkups. All of a sudden, they no longer cover basic dental checkups and cleanings at 100%. I recently had to pay $174 for a simple appointment. The recommended twice-yearly checkups may no longer be possible unless I change companies.

Despite the fact that my healthcare coverage with UnitedHealthcare has been fine for the past three years, I am aware of the problems others are having and believe the stories on UHC using intimidation techniques and poor customer service to override customer complaints. Unless I see some effort on their part to improve their public image by the end of the year, I will drop them for another company.

Wouldn't cover my physical therapy or procedure. They tried to cancel my current insurance despite me not being a customer for over a year

Disappointing Experience with United Healthcare I expected reliability and support from a major healthcare provider, but my experience with United Healthcare has been frustrating and deeply disappointing. From confusing policy details to repeated communication breakdowns, and of course denial denial denials…the process has felt more like a battle than a partnership. Despite following all requirements, my legitimate prescription was denied without clear explanation. Attempts to get clarification were met with long hold times, vague answers, and constant redirection. The appeals process has been opaque and exhausting, leaving me feeling ignored rather than cared for. What’s most concerning is the lack of transparency and empathy. A healthcare provider should prioritize patient well-being, but instead, I’ve faced delays and roadblocks that have had real health consequences. I sincerely hope United Healthcare reevaluates how it handles critical patient needs. I rarely leave negative reviews, but I believe others deserve to know what they might face. If you’re considering enrolling with United Healthcare, I recommend researching alternatives and reading others’ experiences.